Comparing HMN Financial (NASDAQ:HMNF) & First Niles Financial (OTCMKTS:FNFI)

HMN Financial (NASDAQ:HMNFGet Free Report) and First Niles Financial (OTCMKTS:FNFIGet Free Report) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their risk, valuation, institutional ownership, analyst recommendations, profitability, dividends and earnings.

Dividends

HMN Financial pays an annual dividend of $0.40 per share and has a dividend yield of 1.8%. First Niles Financial pays an annual dividend of $0.24 per share and has a dividend yield of 2.7%. HMN Financial pays out 31.0% of its earnings in the form of a dividend. HMN Financial has increased its dividend for 2 consecutive years.

Volatility & Risk

HMN Financial has a beta of 0.19, suggesting that its share price is 81% less volatile than the S&P 500. Comparatively, First Niles Financial has a beta of 0.45, suggesting that its share price is 55% less volatile than the S&P 500.

Valuation & Earnings

This table compares HMN Financial and First Niles Financial’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
HMN Financial $38.21 million 2.62 $6.01 million $1.29 17.35
First Niles Financial N/A N/A N/A N/A N/A

HMN Financial has higher revenue and earnings than First Niles Financial.

Insider & Institutional Ownership

78.3% of HMN Financial shares are owned by institutional investors. 8.2% of HMN Financial shares are owned by insiders. Comparatively, 23.4% of First Niles Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Profitability

This table compares HMN Financial and First Niles Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
HMN Financial 10.57% 5.41% 0.50%
First Niles Financial N/A N/A N/A

Analyst Recommendations

This is a summary of current ratings and recommmendations for HMN Financial and First Niles Financial, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
HMN Financial 0 0 0 0 N/A
First Niles Financial 0 0 0 0 N/A

Summary

HMN Financial beats First Niles Financial on 6 of the 10 factors compared between the two stocks.

About HMN Financial

(Get Free Report)

HMN Financial, Inc. operates as a bank holding company for Home Federal Savings Bank that provides various retail banking products and services. The company offers various deposit accounts, such as savings, interest bearing checking, non-interest-bearing checking, money market, individual retirement, and certificate accounts. It also provides various loan products comprising single family residential loans; commercial real estate and multi-family mortgage loans; construction loans; consumer loans, such as home equity, automobile, recreational vehicle, mobile home, and lot loans, as well as loans secured by deposit accounts, and other loans for household and personal purposes; and commercial business loans. In addition, the company offers financial planning products and services; and invests in mortgage-backed and related securities, the United States government agency obligations, and other permissible investments. It operates community banking and loan production offices in Minnesota, Iowa, and Wisconsin. HMN Financial, Inc. was founded in 1934 and is headquartered in Rochester, Minnesota.

About First Niles Financial

(Get Free Report)

First Niles Financial, Inc. operates as a holding company for the Home Federal Savings and Loan Association of Niles that provides various banking products and services in Ohio, the United States. The company offers personal and business checking and savings, money market deposit, statement savings, and Christmas club accounts, as well as certificates of deposit. It also provides various loans, including mortgage and consumer loans, home equity lines of credit, and commercial loans and lines of credit. In addition, the company provides e-statement, bill pay, and night depository services; debit and ATM cards; safe deposit boxes; direct deposits; I.R.A. certificates of deposit and savings accounts; and online banking services. First Niles Financial, Inc. was founded in 1897 and is based in Niles, Ohio.

Receive News & Ratings for HMN Financial Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for HMN Financial and related companies with MarketBeat.com's FREE daily email newsletter.